Have you spent around 20,000 yuan recently? The bank wants you to repay the money in installments because it is good for the bank to repay it in installments. When repaying in installments, the bank will charge a handling fee every month, which can approximate an annual interest rate of 10 to 18% (depending on the number of installments). It's okay, as long as you don't take the initiative to propose or agree to the installment, but pay it off in one lump sum on the scheduled repayment date, the bank will not give you the installment. Note that some banks have launched a service that will automatically repay in installments when your consumption amount exceeds a certain amount. If you sign up for this service, it will automatically switch to installment repayment at that time! At that time, if you want to repay it all at once, you must pay a sum of money to compensate the bank for its losses.